First National Bank, Cortez
Cortez, CO · Cert 17872 · Peer group: banks under $1B in assets (n=573-620)
National charter · OCC · 1 branch
Q2 2026
$156.9MAssets
$102.3MLoans
$137.2MDeposits
$14.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets (rank 202 of 620).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets (rank 555 of 573).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.60%
Rank 465 of 620
Net Interest Margin
3.55%
Rank 295 of 620
Efficiency Ratio
61.96%
Rank 202 of 620
Equity / Assets
9.20%
Rank 445 of 620
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 68% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.60% | 1.00% | 1.45% | Beats 25% | 465 / 620 | |
| Return on Equity | 6.50% | 5.30% | 9.30% | 13.29% | Beats 31% | 430 / 620 | |
| Net Interest Margin | 3.55% | 3.02% | 3.53% | 4.04% | Beats 52% | 295 / 620 | |
| Efficiency Ratio | 61.96% | 58.35% | 68.08% | 79.37% | Beats 68% | 202 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.92% | 0.09% | 0.47% | 1.27% | Beats 15% | 487 / 573 | |
| Net Charge-Offs / Loans | 0.54% | n/a | 0.01% | 0.06% | Beats 3% | 555 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 15.00% | 11.27% | 13.87% | 18.78% | Beats 59% | 255 / 620 | |
| Total Risk-Based Capital Ratio | 16.25% | 11.69% | 14.57% | 19.67% | Beats 62% | 238 / 620 | |
| Equity / Assets | 9.20% | 9.03% | 10.60% | 13.73% | Beats 28% | 445 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 74.54% | 65.08% | 79.69% | 92.47% | 40th pctl | 352 / 585 | |
| Loans / Assets | 65.20% | 51.85% | 67.17% | 77.86% | 46th pctl | 335 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |